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2 Financial Advisors International Presentation Agenda One-Stop Financial Center Einstein's 9 th Wonder of the World Global Asset Management Group :What is Active Asset Management? Financial Insurance Advisors : Equity Indexed Products? The Mortgage Alliance : Reverse Mortgages The Realty Factor : Real Estate for the New World Educational Training Program : FAI’s Exceptional Agent Training Program Compensation
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FAI is a One-Stop Financial Center, helping people take charge of their family’s future. * This is not a solicitation or offer to purchase any product. GAMG is pending SEC/FINRA Registration. GAMG representatives will solicit business working in relation to WEG and Compass Asset Management. FAI serves as a solicitor only and currently has a selling agreement with and World Equity Group, Inc. (WEG). Active money management is provided by WEG, a FINRA registered broker/dealer and an SEC registered investment advisor. WEG is not affiliated with FAI. This information is not intended for use with the general public and does not constitute an offer to buy or sell any individual security, any group of securities, or any investment advisory services with regard to securities. TMA is not a mortgage lender. TMA solicits business on behalf of other lenders working under their licenses. Financial Advisors International has strategic relationships with world-class companies which offer diversified product portfolios. FAI is committed to bringing products, concepts and strategies that traditionally were reserved for the wealthy and ultra-wealthy to people who typically never had the opportunity to hear about them. FIA helps bring Equity Indexed Products to middle America by helping people make money when the stock market is up, never losing money when the market is down and accessing the money tax free at retirement. FIA offers a variety of insurance products such as indexed life, indexed annuities, term insurance and more. Harness the Power of Your Mortgage with The Mortgage Alliance’s leading-edge consumer-oriented concepts and products. TMA can help you compare hundreds of products from the nation’s top lenders to find the mortgage program that best suits your needs. The Realty Factor is leading the Real Estate Revolution. One of the trend leading companies using state-of-the-art technology, offering marketing solutions to help consumers buy and sell their homes quickly and easily. GAMG brings Wall Street to Main Street in The Great Wealth Transference Revolution.* Assets Under Active Money Management is our premier product concept that will lead us through The Great Wealth Wave. One-Stop Financial Center 3
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VISION To lead the charge in the Great Wealth as baby boomers move into retirement and $52 Trillion dollars of wealth will transfer from one generation to the next. MISSION To create wealth for families through financial education and business systems. SYSTEM Step by Step streamlined approach to financial education and success in these industries. We have a way of doing business that works. There is no requirement that an associate of WLG utilize or follow the Leadership Format System or any marketing plan or system developed by WLG. A Company with Visions of the Future
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Age 2% Money Doubles Every 36 Years 29 $100,000 65 $200,000 * These hypothetical examples are for illustrative purposes only and do not represent any particular investment vehicle. The Rule of 72 is a mathematical concept that approximates the number of years it would take to double the principal at a constant rate of return. The performance of investments fluctuates over time, and as a result, the actual time it will take an investment to double in value cannot be predicted with any certainty. The Rule of 72 Divide 72 by the interest rate to estimate the number of years it takes for your money to double. Age 8% Money Doubles Every 9 Years 29 $100,000 38 $200,000 47 $400,000 56 $800,000 65 $1,600,000 Age 10% Money Doubles Every 7.2 Years 29 $100,000 36.2 $200,000 43.4 $400,000 50.6 $800,000 57.8 $1,600,000 65 $3,200,000 The person with the most “doubles” wins. Average 401kActive Money ManagementIndexed Products * Average 401k taken from the book “The Great 401(k) Hoax” by William Wolman 5 Albert Einstein's 9 th Wonder: Compound Interest
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6 6 The 4 Cornerstones of Finance Long Term Savings Debt & equity Management Emergency Fund Proper Protection Life Insurance 6 Month Cash Reserve Retirement & Investment Accounts Refinance
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7 *GAMG is pending SEC/FINRA registration as a RIA firm. All associates of GAMG will be soliciting business on behalf of third part asset management firms and will be licensed directly with those firms.
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What is Passive Management? It’s a method most investors use – commonly referred to as “buy and hold.” What is Active Management? Active Management simply means that the holdings in your portfolio are adjusted in response to market and economic conditions – by professionals who constantly monitor the factors that drive stocks, bonds, markets, and sector forces. 8 Active Vs. Passive Money Management
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9 Winners Today, Losers Tomorrow
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How Active Money Management Works Do you want a professional money manager to continuously watch your money — or do you want to leave your money unmanaged like it has been? This “active vs. passive” management strategy allows active money managers to recognize market trends more quickly, and act on that information to enhance returns while minimizing risks. Past performance does not guarantee the future results. This is a hypothetical example for illustrative purposes only. This information is not intended for use with the general public and does not constitute an offer to buy or sell any individual security, any group of securities, or any investment advisory services with regard to securities. Certain indicies illustrated on this page are unmanaged and individuals are not able to invest directly into any index. 10 Active VS. Passive Management This is how active money managers work for the wealthy — and now they can work for you.
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11 Strategic Partners GAMG is proud to announce Compass Asset Management Group a Division of World Equity Group as our Active Tactical Money Management Firm. Although Past Performance is Never a guarantee of future results we are proud of the historic results that Compass has provided for our Clients. Minimum Account Size is $25,000. Although Compass is rolling out a new program that will accept accounts as low as $2,000.
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The Magic of Compound Recurring Income Building Assets Under Active Money Management with GAMG You now have a minimum $100,000 annual income for life. Average Account Size: $100,000 Average Rate of Return: 12% 3 New Accounts Per Month for 4 Years 144 Total Accounts 12 The Personal Four Year Plan
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13 How Long Until you Earn your First Million ? You know that Hollywood's top stars can earn $20 Million per film and that the average time to shoot a movie is six months. In fact, if these celebrities worked standard 8-hour workdays, it would take them less than seven days to earn $1 million. What about everyone else? We took the median annual salary of each profession, as reported by the Bureau of Labor Statistics, and broke down the earnings based on a 40- hour workweek. The following is the answer to the question : “How long until you Earn your First Million?”
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14 Architects: $64,150 32,425 hours 4,053 days 16 years How Long Until you Earn your First Million ? College Coaches & Scouts: $37,530 55,432 hours 6,928 days 27 years Automotive Technicians: $33,780 61,576 hours 7,697 days 30 years Computer Managers: $101,580 20,475 hours 2,560 days 10 years Bartenders: $16,350 127,226 hours 15,901 days 61 years Computer Software Engineers: $79,780 26,069 hours 3,259 days 13 years
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15 You do the Four-Year Plan personally and Hire 10 Agents who do the same production as you. The Magic of Compounding Recurring Income
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FIA is a One-Stop Financial Center, helping people take charge of their family’s future. 17 FIA helps bring Equity Indexed Products to middle America by helping clients make money when the stock market is up, never losing money when the market is down and accessing their money tax free at retirement. FIA offers a variety of insurance products such as indexed life, indexed annuities, term insurance and more. One-Stop Financial Center
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Safety of Principal Fixed Products 2% to 4% Risk of Principal Variable Products Upside Potential Indexed Products 18 Types of Investments: TIC-TAC-TOE
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They are fixed interest rate products that earn interest based on the potential of an index Protect your principle and earned interest from loss Long term savings vehicles designed to accumulate cash on a tax deferred basis Guarantee a lifetime of income. 19 What are Equity Indexed Products
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$150,000 $140,000 $130,000 $120,000 $100,000 $160,000 $170,000 $90,000 $110,000 $100,000 Invested in 1997 Indexed AccountLarge Company Stocks Many people sacrifice return for safety, and other people sacrifice safety for return. Indexing brings together the best of both. 8/19978/19988/19998/20008/20018/20028/20038/20048/20058/20068/2007 11/2008 $149,937 $126,925 $139,237 $95,529 $115,449 $129,330 $117,435 $152,488 $133,977 $103,775 $96,845 $114,490 $122,504 $140,255 $155,476 $166,359 $150,073 $131,080 $107,000 $166,359 20 Indexed Products VS. Large Company Stock Protection & Potential
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People who are dissatisfied with interest from CDs or other fixed rate savings accounts People who don’t have the time or temperament for the stock market People who are tired of losing money in the stock market and want investments with guarantees to never lose money Still would like to participate in the returns of the market without having any money actually in the market People who want to grow & access their money tax free at retirement People who want liquidity 21 When are Indexed Products Appropriate?
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Annualized Income: $301,920 22 Personal and Team Compensation Equity Indexed Annuity income is based on a $100,000 account where Equity Indexed Annuity is paying 10% gross commission. Equity Indexed Life is based on client paying a $500 a month premium where CTP is $4,800. Hypothetical example. Team overrides are based on a Division Director (64%) overriding a team of 5 agents where each agent is doing 1 transaction a month and is at an Intern level (40%). Commission level. 1 Equity Indexed Annuity $5,000 1 Equity Indexed Life $2,400 $7,400/ mo. Personal Production 5 Equity Indexed Annuity $12,000 5 Equity Indexed Life $5,760 $17,760/ mo. Team of 5 Agents
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FHA purchase mortgages Reverse mortgages Traditional cash-out refinance loans Commercial Lending Current Rates are at an all time low under 5%! 24 Harness the Power of your Mortgage No matter what type of loan is needed our extensive mortgage portfolio can help
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25 Reverse Mortgages For individual/couples age 62 and older Completely eliminate the mortgage payments Homeowner does not give up title to property FHA backed (not investor driven like in the past) Not credit, asset or income driven. Reverse Mortgages are Equity driven Allows homeowner’s with equity to receive cash at closing which can be used for spending, investing, charity or used to create a new stream of monthly income In some cases the homeowner not only eliminates their mortgage payment completely but receives cash at closing as well
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26 Married couple ages 62 and 65 $300,000 home value $20,000 loan balance $600/ mo. is their current mortgage payment They qualify for a $180,000 loan The old loan of $20,000 is paid off They have no mortgage payment ever again They receive $150,000 cash after closing costs If something happens to them their family still inherits the house just like a traditional mortgage The couple decides to invest the $150,000 which allows them to receive $1,000/ mo. for the rest of their lives Not only are they saving $600/ mo. on their old mortgage payment, they are now receiving $1,000/ mo. from investments. That’s a $1,600/ mo. swing! Don’t forget to download/view the FAQ Reverse Mortgage Case Study
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27 Becoming an Agent with TMA No license required Large list of lenders FHA approved Operating in almost all 50 states Option to pass the loan off to TMA’s loan coordinators and processors and leave the rest up to them Use a loan coordinator and literally do nothing on the loan. You’ll receive 50% of the Origination and YSP. Work the entire loan yourself and earn more income
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Annualized Income: $75,072 28 Personal and Team Compensation FHA purchase loan is based on a $200,000 loan amount paying 3% commission. 15% taken off the top to TMA. Reverse Mortgage is based on a $200,000 loan paying 1% to the field. Level assumed is Division Director (64%).. Hypothetical example. Team overrides are based on a Division Director (64%) overriding a team of 5 agents where each agent is doing 1 transaction a month and is at an Intern level (40%). 1 FHA Purchase loan $1,632 1 Reverse Mortgage $544 $2,176/ mo. Personal Production 5 FHA Purchase loans $3,060 5 Reverse Mortgages $1,020 $4,080/ mo. Team of 5 Agents
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Full Service Real Estate Company Offer agents tremendous support High degree of technology for lead generation and automated follow up systems High personal production contracts Allow agents who do not have a brokers license to hire and train agents and override their production as if they were the broker Allow agents to participate in FAI’s other industries such as mortgages,insurance and financial planning to create multiple streams of income from the same clients 30 The Realty Factor
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31 Leading the Way in Real Estate Allows you to generate income that isn’t based solely on real estate production Allows you to generate income that isn’t based solely dependant on your own personal production Offers you the freedom to expand nationwide in all FAI’s industries Equity Sharing Plan Starting building a business instead of just doing business Ask yourself this question, would you rather be a traditional real estate agent, or own a company that has 50 agents? How about both with no liability, no overhead, no big upfront franchise costs and you don’t need a real estate broker’s license.
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Annualized Income: $143,820 32 Personal and Team Compensation Real Estate commissions are based on a $200,000 sales price and a 3% commission. 80% personal producer level is assumed. Hypothetical example. Team overrides are based on a Division Director level (64%) overriding a team of 5 agents where each agent is closing 1 real estate deal a month and is at a personal producer level of 80%. 6.5% broker Fee is taken off the top as well as a $200 transaction fee. The transaction fee can be charged to the buyer/seller. FHA purchase loan is based on a $200,000 loan amount paying 3% commission. 15% taken off the top to TMA. Level assumed is Division Director (64%). Hypothetical example. Team overrides are based on a Division Director (64%) overriding a team of 5 agents where each agent is doing 1 transaction a month and is at an Intern level (40%). 5 Real Estate closings $2,805 5 Closed Loan referrals $3,060 $5,865/ mo. Team of 5 Agents 1 Real Estate closing $4,488 1 Closed Loan referral $1,632 Personal Production $6,120/ mo.
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33 The 4 Cornerstones of Finance Long Term Savings Debt & equity Management Emergency Fund Proper Protection Life Insurance 6 Month Cash Reserve Retirement & Investment Accounts Refinance
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Ability to hire and train other real estate agents as if you were a broker without the liability or license required Your Income isn’t based solely on personal production (Income Calculator can be emailed) Personal production contract 100% minus a $495 transaction fee to realtors who don’t want to hire agents Referral company where you can refer real estate and hire other agents without having to pay the MLS, Bo Marketing System Track Record $99 a month for: Unlimited pre-recorded hotline lead capture system Lead generation website with auto-responders Sign riders on listings can show custom web address to drive traffic to your site. Ex. www.123MainStreet.comwww.123MainStreet.com 34 Real Estate
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How Active Tactical Money Managers are able to consistently beat the S&P 500 How Equity Indexed Products are able to guarantee no losses while still capturing some of the S&P 500 returns Compound Interest and how taxes and inflation affect net returns How is it that so many people follow the traditional advice to pay down your mortgage and max out their 401k… yet retire broke Recommended reading of the top 10 financial books ever written How to run successful investment advisory firm Free Subscriptions to Financial Advisor and InsuraceNewsNet 35 Topics Covered in Curriculum
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How to setup a retirement fund where you access your money tax free Why wealthy investors own few to no mutual funds Why wealthy investors do not do business with brokerage houses Why affluent American almost never choose to pay off their mortgage even though they could many times over Why most businesses fail and what to do about it Why is there a shortage of investment advisors yet they remain the highest paid in the financial profession 4 years of education in 4 months, save $80,000 and learn things they don’t teach you in school…come on? Learn exactly how we do it 36 Topics Covered in Curriculum
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Training 4 month, 2 month or 1 month daily video training program One on one and small group mentoring/shadowing Contact Management and Lead system Predictive calling for streamlined follow up to run your business Remote Access At the follow up appointment we will give you a live demonstration of the power of this system. 37 Training and Business Systems
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38 Web-Based CRM/Contact Management System
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39 Auto Dialer, Follow up System
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40 Pre-Recorded Hotlines, 800# campaigns
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1 Closed Loan… $2,250 1 Equity Indexed Annuity… $5,000 1 Equity Indexed Life… (year 1 only) $2,400 1 Account Under Management… (year 1 only) $450 1 Real Estate Transaction $5,000 Annualized Income: $186,700 $15,100 Financial Industries Monthly 41 Compensation
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Get an Information Packet Set a follow up appointment Are there better options open to you now 42 The Next Step...
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